Finance Terms & Conditions


Included in calculation is a R1700.00 Luxurytime finance fee, R1100.00 bank initiation fee. Please note that quote is a guideline based on averages. The applicant’s credit record and interest rate will determine the final offer. Terms and conditions apply.

Applications for personal:

We require 3 months original bank statements not internet generated
Your identity document
Latest payslip; or if you earn a weekly wage, then your latest 4 payslips; or if you are a contract worker, then your latest 4 invoices.
Proof of residence
Marriage status and detail of next of kin and spouse


You will receive pre-approval within 5 working hours if all documentation has been received in good order.
To finalise the loan application, all documents will have to be verified and signed at the designated location.
All loans are regulated by the NCA and are approved or declined on that basis.
Terms and conditions apply.
Each individual application gets scored and the strength of the applicant determines his or her own interest rate and term. We offer same day pre-approvals.

We offer an average 14% interest rate.

Upon approval we require the original documentation and your signature at a designated branch on appointment.